Intercap Lending Inc. mortgage approval rate & lending review
Intercap Lending Inc. decided 12,042 mortgage applications and funded 11,206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Intercap Lending Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to intercaplending.com.
Intercap Lending Inc. at a glance
Approval is 12.8 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 9,679 / 9,793 | 95% | $425K | 9,150 |
| Cash-out refinance | 96% | 471 / 490 | 94% | $375K | 441 |
| Refinance | 98% | 822 / 836 | 95% | $435K | 778 |
| Investment property purchase | 98% | 686 / 701 | 93% | $355K | 639 |
| Investment cash-out refinance | 97% | 106 / 109 | 93% | $315K | 99 |
| Investment refinance | 99% | 108 / 109 | 92% | $415K | 99 |
Intercap Lending Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 99% | $425K | 9,334 | 8,727 |
| California | 99% | $705K | 725 | 672 |
| Colorado | 97% | $415K | 652 | 583 |
| Arizona | 97% | $395K | 425 | 392 |
| Texas | 95% | $275K | 209 | 185 |
| Idaho | 97% | $375K | 133 | 123 |
| Nevada | 99% | $355K | 129 | 120 |
| Washington | 99% | $405K | 93 | 88 |
| Florida | 90% | $345K | 79 | 68 |
| North Carolina | 100% | $505K | 38 | 36 |
| Virginia | 100% | $375K | 36 | 36 |
| New Mexico | 100% | $365K | 25 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Intercap Lending Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Mortgage lenders | 99% | 3,130 | 2,960 |
| Utah County, UT | Mortgage lenders | 99% | 1,823 | 1,723 |
| Weber County, UT | Mortgage lenders | 99% | 1,137 | 1,023 |
| Davis County, UT | Mortgage lenders | 100% | 983 | 921 |
| Washington County, UT | Mortgage lenders | 99% | 460 | 437 |
| San Diego County, CA | Mortgage lenders | 99% | 357 | 332 |
| Salt Lake County, UT | Refinance | 98% | 261 | 245 |
| Salt Lake County, UT | Investment property purchase | 99% | 180 | 166 |
| Cache County, UT | Mortgage lenders | 100% | 157 | 150 |
| Salt Lake County, UT | Cash-out refinance | 96% | 173 | 149 |
| El Paso County, CO | Mortgage lenders | 98% | 167 | 148 |
| Utah County, UT | Refinance | 98% | 160 | 147 |
The county markets where Intercap Lending Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Intercap Lending Inc.
What is Intercap Lending Inc.'s mortgage approval rate?
Intercap Lending Inc. approved 98.6% of the 12,042 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.8 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Intercap Lending Inc. offers?
Borrowers accepted 94% of the loans Intercap Lending Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Intercap Lending Inc. make?
The typical home purchase mortgage loan Intercap Lending Inc. made was $425K; across all loan types its typical loan ran from $315K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Intercap Lending Inc. lend?
Intercap Lending Inc. decided applications in 37 of the states Fat Boy Data covers, most of them in Utah, California and Colorado.
Can I apply to Intercap Lending Inc. directly?
Yes. Intercap Lending Inc. reports as a direct lender that takes applications from borrowers. Its website is intercaplending.com.
Does this page show Intercap Lending Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Intercap Lending Inc. treats applications, then get a rate quote from the lender.